The poem describes an encounter the author had with a homeless man while waiting for the subway. The man was begging with an empty jar, and the author initially hesitated to give anything, feeling guilty. However, the author ultimately took an apple and sandwich out of their bag to give to the man, who thanked them with a smile. The experience stayed with the author and made them reflect on the importance of showing mercy to those in need. The poem emphasizes that true wealth comes from having mercy in your heart, not money or possessions.